Detailed Answer
When you file a bodily injury claim in Connecticut, you typically communicate through the insurer’s claims department. To establish direct contact with the claims adjuster handling your case, follow these steps:
- Locate the insurer and policy information. Review your insurance policy declarations page for the insurer’s name, policy number, and general claims phone number. Identify any letters or emails from the insurer that name the assigned adjuster.
- Request adjuster contact details in writing. Send a written request by certified mail with return receipt to the insurer’s claims address. State your name, claim number, and ask for the adjuster’s name, direct phone number, and email.
- Reference Connecticut’s prompt response requirement. Under Connecticut’s Unfair Claim Settlement Practices Act, Conn. Gen. Stat. § 38a-816 (https://www.cga.ct.gov/current/pub/chap_701.htm#sec_38a-816), insurers must acknowledge communications within 15 business days and provide relevant claim information promptly. Cite this statute in your letter to underscore your right to timely responses.
- Document all communications. Keep copies of letters, emails, and notes from phone calls, including dates, times, names, and topics discussed. Accurate records help prevent misunderstandings and show your diligence if disputes arise.
- Follow up by phone. After the insurer acknowledges your written request, call the general claims line and ask to be connected directly to the adjuster you named. Provide your claim reference and politely insist on direct contact.
- Escalate if necessary. If the insurer fails to comply, file a complaint with the Connecticut Insurance Department Online Complaints unit at https://portal.ct.gov/CID/Complaint-Forms.
- Consider legal representation. While you may communicate directly, a personal injury attorney can ensure your rights are protected and negotiate more effectively with the adjuster.
Disclaimer: This article is for informational purposes only and does not constitute legal advice. Consult a qualified attorney for advice on your specific situation.
Helpful Hints
- Always send written requests by certified mail with return receipt to prove delivery.
- Keep a detailed communication log to track progress.
- Refer to Conn. Gen. Stat. § 38a-816 to emphasize timely insurer responses.
- Use polite but firm language when requesting contact details.
- Reach out to the Connecticut Insurance Department before hiring counsel if you hit a roadblock.